1.Register your mobile number by sending sms from your mobile as REGISTER PTOP TO 54455. Then you will get a password.
2.Send SMS as GIFT(space)Mobilenumber(space)amount(space)password to 54456.
Ex. GIFT 944XXXXXXX 100 XXXXXX
SMS charges Rs.3 and service charges Rs.3 or 10% of your transaction amount.
Min transfer amount 10.
Ex.If you transact 100 then Rs.13 is the charge.

It worked for me,(TN circle). I am in Assam i have TN circle bsnl number, i transferred amount 100 to another bsnl TN number. Initially i had Rs 197 balance after transferring i have only Rs 84 as balance.